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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $106,013 | $124,330-14.7% | $109,173-2.9% | $167,536-36.7% |
| Participation rate | 80.0% | 79.5%+0.5pp | 75.9%+4.1pp | 82.1%-2.1pp |
| Annual return | 15.74% | 26.04%-10.3pp | 25.75%-10.0pp | 478.82%-463.1pp |
| Employer contribution / active EE | $2,167 | $4,209-48.5% | $3,723-41.8% | $4,839-55.2% |
| Participant deferral / active EE | $5,577 | $5,256+6.1% | $4,654+19.8% | $6,342-12.1% |
| Admin fee / account holder | $505 | $7,974-93.7% | $6,755-92.5% | $12,315-95.9% |